Personal Umbrella Insurance in North Carolina
Based in Wilmington, Davis Insurance P&C LLC helps North Carolina residents explore additional liability protection for their income, savings, property, and other assets.
Call 910-392-5173What Is Personal Umbrella Insurance?
Personal umbrella insurance provides additional liability protection above the limits of certain underlying insurance policies, such as your auto or homeowners insurance.
If you are responsible for a serious accident or injury and the covered liability claim exceeds the limit of an underlying policy, an umbrella policy may provide additional protection, subject to the terms and limits of the policy.
From our Wilmington office, we help individuals and families in southeastern North Carolina and throughout the state understand how personal umbrella insurance may work with their existing auto and property coverage.
Why Consider a Personal Umbrella Policy?
A serious liability claim can potentially exceed the liability limits provided by an auto or homeowners policy. Additional liability protection may be worth considering if you have assets or future income you want to protect.
An umbrella policy may provide additional protection for certain covered claims involving bodily injury, property damage, and other personal liability exposures.
Who May Benefit from Umbrella Insurance?
Personal umbrella insurance may be worth considering for people who:
- Own a home or other property
- Have savings, investments, or other assets
- Have significant future income to protect
- Own multiple vehicles
- Own a boat or recreational vehicle
- Have teenage or young drivers in the household
- Want liability protection beyond standard policy limits
How Umbrella Insurance Works
Umbrella insurance generally works with underlying liability coverage. Insurance companies typically require certain minimum liability limits on policies such as auto and homeowners insurance before an umbrella policy can be issued.
Because requirements and available coverage vary by insurance company, we can help you review your existing liability limits and determine what options may be available.
Review Your Auto and Property Coverage Too
Since personal umbrella insurance works together with underlying liability policies, this can also be a good time to review your auto and property insurance coverage.
Explore Auto & Vehicle Insurance → Explore Property Insurance →
Is Personal Umbrella Insurance Right for You?
Contact Davis Insurance P&C LLC to discuss your current liability coverage and available personal umbrella insurance options.
Call Us: 910-392-5173Insurance Disclosure: Coverage availability, limits, underlying insurance requirements, premiums, and eligibility may vary by insurance company, policy, and individual circumstances. Davis Insurance P&C LLC is an independent insurance agency. Coverage is subject to the terms, conditions, limitations, and exclusions of the applicable insurance policy.